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Finward Bancorp (Finward Bancorp) Cyclically Adjusted Price-to-FCF : 5.71 (As of May. 30, 2024)


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What is Finward Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2024-05-30), Finward Bancorp's current share price is $24.51. Finward Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $4.29. Finward Bancorp's Cyclically Adjusted Price-to-FCF for today is 5.71.

The historical rank and industry rank for Finward Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FNWD' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 4.28   Med: 9.74   Max: 13.63
Current: 5.71

During the past years, Finward Bancorp's highest Cyclically Adjusted Price-to-FCF was 13.63. The lowest was 4.28. And the median was 9.74.

FNWD's Cyclically Adjusted Price-to-FCF is ranked better than
63.54% of 831 companies
in the Banks industry
Industry Median: 7.35 vs FNWD: 5.71

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Finward Bancorp's adjusted free cash flow per share data for the three months ended in Mar. 2024 was $-0.172. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $4.29 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Finward Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Finward Bancorp's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Finward Bancorp Cyclically Adjusted Price-to-FCF Chart

Finward Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.29 9.73 12.19 9.06 6.00

Finward Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.17 5.02 5.12 6.00 5.73

Competitive Comparison of Finward Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Finward Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Finward Bancorp's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Finward Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Finward Bancorp's Cyclically Adjusted Price-to-FCF falls into.



Finward Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Finward Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=24.51/4.29
=5.71

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Finward Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Finward Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=-0.172/131.7762*131.7762
=-0.172

Current CPI (Mar. 2024) = 131.7762.

Finward Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 -0.104 100.560 -0.136
201409 2.993 100.428 3.927
201412 0.395 99.070 0.525
201503 2.431 99.621 3.216
201506 0.462 100.684 0.605
201509 -0.784 100.392 -1.029
201512 0.750 99.792 0.990
201603 2.201 100.470 2.887
201606 0.924 101.688 1.197
201609 -1.514 101.861 -1.959
201612 1.427 101.863 1.846
201703 1.021 102.862 1.308
201706 0.364 103.349 0.464
201709 1.318 104.136 1.668
201712 1.012 104.011 1.282
201803 0.954 105.290 1.194
201806 0.906 106.317 1.123
201809 -1.210 106.507 -1.497
201812 2.595 105.998 3.226
201903 0.397 107.251 0.488
201906 0.958 108.070 1.168
201909 1.180 108.329 1.435
201912 -0.243 108.420 -0.295
202003 2.646 108.902 3.202
202006 0.250 108.767 0.303
202009 2.061 109.815 2.473
202012 -0.337 109.897 -0.404
202103 4.603 111.754 5.428
202106 -0.816 114.631 -0.938
202109 0.679 115.734 0.773
202112 -0.467 117.630 -0.523
202203 -0.124 121.301 -0.135
202206 1.011 125.017 1.066
202209 1.214 125.227 1.277
202212 1.342 125.222 1.412
202303 0.858 127.348 0.888
202306 3.042 128.729 3.114
202309 1.150 129.860 1.167
202312 0.346 129.419 0.352
202403 -0.172 131.776 -0.172

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Finward Bancorp  (NAS:FNWD) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Finward Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Finward Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Finward Bancorp (Finward Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
9204 Columbia Avenue, Munster, IN, USA, 46321
Finward Bancorp is a bank holding company, which engages in the provision of financial services. It offers products and services related to Personal Banking, Cash Management, Saving Account, ebanking, Wealth Management, and Insurance Services. It is primarily engaged in the business of attracting deposits from the general public and the origination of loans, mostly upon the security of single-family residences and commercial real estate, construction loans, commercial business loans, and municipal loans. Geographically, the activities are carried out through the United States.
Executives
David A Bochnowski director, 10 percent owner, officer: Chief Executive Officer 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Peymon Torabi officer: Senior Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Robert T Lowry officer: Executive Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Amy Wong Han director 1008 KILLARNEY DRIVE, DYER IN 46321
Benjamin J Bochnowski officer: EVP 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Robert W. Youman director 129 THATCHER AVE., RIVER FOREST IL 60305
James L Wieser director 13304 LAKESHORE DRIVE, UNIT 202, CEDAR LAKE IN 46303
Johnson Robert E. Iii director 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Todd M. Scheub officer: Executive Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Leane English Cerven officer: Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Danette Garza director 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Jillonda Washington officer: Senior Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Kleek Joshua Van officer: Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Tanya A. Leetz officer: Executive Vice President 9204 COLUMBIA AVENUE, MUNSTER IN 46321
Donald P Fesko director 9204 COLUMBIA AVENUE, MUNSTER IN 46321

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